Tachyon

Revolutionize Credit Processing

Launch and scale any credit card program, retail or commercial, with sophisticated up-sell journeys, hyper-personalizable fees and interest, and 100% compliance.

Contact Sales

A digital interface showcasing retail and commercial credit card account processing for banks and financial institutions to launch fully compliant and personalized card products for customers.

Tachyon Credit Card Processing Capabilities

Self-Service Configuration

Own product innovation and introduce new products with accelerated speed. Zeta Tachyon’s intuitive web-based interface allows you to control every aspect of your credit card product including Minimum Amount Due (MAD), Repayment (High to Low APR), Delinquency and Aging, Rewards, Notifications and more.

Omnistack for Retail and Commercial Credit Cards

Enable seamless product graduation and cross-selling across products with an omnistack that supports any credit card including Retail Credit Cards, Commercial Credit Cards (p-Cards and TnE), Co-Brand Cards, Private Label Cards and Secured Cards on a single platform.

100% Regulatory Compliance

Bring your regulatory compliance posture to the next generation with 100% out-of-the-box compliance with all credit card mandates and regulations (Card Act, Reg Z, UDAAP, and others), with provision for configurable updates to incorporate future regulatory changes in a matter of days.

Hyper-Personalized Fees

Hyper-personalize any fee (transaction fee, service fee, annual fees, and more) with easy, low-code configurations. Offer differentiated fee-based promos for a specific customer, account or card based on any parameter of user behavior (value, day, place or category of spend) to drive increased spends and retention.

Hyper-Personalized Interest

Use different interest calculation and liquidation approaches to create targeted interest promo programs. Apply selected interest approaches dynamically based on attributes like transaction, card, account, or customer to guide user behavior and retention.

Automated Backdated Adjustments

Save hours of manual work on spreadsheets and prevent human error on cross-cycle chargeback reversals/ postings, payment reversals and error rectifications. Zeta Tachyon supports automated backdated adjustments by applying differential postings for backdated entries.

Instant Credits

Deliver instant repayments and credits to cardholder accounts in real-time. Zeta Tachyon supports multiple payment float strategies that enable cardholders to immediately use all or part of their credit.

Real-Time Credit Line Increases and Decreases

Increase top of wallet share with effective line management interventions. Deliver credit line increases or decreases in real-time or batch mode based on cardholder activity through an external decisioning engine or Zeta’s own powerful line management decision engine - Zeta Orion.

Account Status Change Driven Actions

Increase effectiveness of business workflows and policies by automating the triggering of relevant actions based on status changes of an account. Automate freezing a card, initiating charge-offs, or charging an annual fee, based on changes in delinquency, bankruptcy, or dormancy status.

Native BNPL Support

Boost credit line utilization by offering integrated Buy-Now-Pay-Later option leveraging a unified credit line allocated to a customer. This can be enabled in both models, POS loans in partnership with merchants as well as customer-initiated conversions of transactions to installment loans.